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RBS (One Account) Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk management tool.

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on RBS (One Account)’s changes. Even though utilising the tool is not a condition for being on the RBS (One Account) panel, demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is a helpful support to your panel application and, just as importantly, safeguard your panel status.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by RBS (One Account)

Lenders frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 929 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.9 days. In total, 67% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

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Examples of recent questions relating to the RBS (One Account) Conveyancing Panel from members of the public

Can you please explain the reason why all UK lawyers are not on the RBS (One Account) Conveyancing panel?
Mortgage companies point to the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud every year. The removal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the Financial Services Authority in 2011. Its outcome included recommendations for lenders to review their conveyancing panels, which kicked off a major policy change in the sector. It led to banks and building societies purging less reputable firms off their books
We are nearing an exchange and my parents having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender RBS (One Account). I am advised that, being on the RBS (One Account) conveyancing panel and acting on their behalf he must inform RBS (One Account) if the balance of the mortgage advance is coming from anyone other than me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with RBS (One Account) to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to RBS (One Account) if you agree, failing which, your lawyer must cease to continue acting.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the RBS (One Account) conveyancing panel. My lawyer has said that they are on the RBS (One Account) approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the RBS (One Account) conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the RBS (One Account) solicitor panel.
We're in Wales, FTBs purchasing with a mortgage (lender is RBS (One Account) , but our solicitor is on the RBS (One Account) conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the RBS (One Account) conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. RBS (One Account) have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is RBS (One Account) your lawyer must to check the RBS (One Account) conveyancing instructions contained in the Part of CML Handbook for RBS (One Account) . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to RBS (One Account) where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
I have today made my last payment due on mortgage with RBS (One Account). I assume I don't need a solicitor on the RBS (One Account) panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your RBS (One Account) mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS (One Account) mortgage from the register. RBS (One Account),and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the RBS (One Account) has sent the Land Registry the discharge electronically, and the RBS (One Account) has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your RBS (One Account) mortgage has been paid off.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, RBS (One Account) are being difficult. The solicitor who is on the RBS (One Account) conveyancing panel is saying indemnity insurance will be fine but RBS (One Account) are insisting on a building regulation certificate. Why do RBS (One Account) have a conveyancing panel of they don’t accept advice from them?
It is probably the case that RBS (One Account) have referred the matter to their valuer. The reason why RBS (One Account) may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.

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